MEDIUM confidence: 100% data completeness, but the composite (58) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
AI classification of policy/regulatory sensitivity from the company's sector, industry, and business description. Exposure/sensitivity only — not a political opinion, a prediction of government action, or investment advice. As of 2026-07-10.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Dated events from the market calendar; the “also watch” items are AI-generated observations from QScoring data. Informational only — not investment advice, and dates can change.
Avg target $278 (last qtr, 16 analysts) → $281 (last mo, 10) (+0.9%).
Buy-rated share 73% → 68% over ~3 months (-5pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jul 2026 | $4.46 | $4.85 | +8.7% |
| Apr 2026 | $3.93 | $4.13 | +5.1% |
| Jan 2026 | $4.23 | $4.88 | +15.4% |
| Oct 2025 | $4.05 | $4.35 | +7.4% |
| Jul 2025 | $3.55 | $3.85 | +8.5% |
| Apr 2025 | $3.38 | $3.51 | +3.8% |
| Jan 2025 | $3.26 | $3.77 | +15.6% |
| Oct 2024 | $3.30 | $3.75 | +13.6% |
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $19.7B— | $23.5B+19.5% | $31.9B+35.5% | $33.7B+5.6% | $31.3B-7.0% |
| EPS (dil.) | $12.70— | $13.85+9.1% | $12.79-7.7% | $13.74+7.4% | $16.59+20.7% |
| Free Cash Flow | $7.2B— | $9.1B+25.9% | $10.1B+11.3% | $7.9B-22.1% | $4.4B-44.4% |
| Gross Margin | 101.5% | 87.7%-13.8pp | 65.0%-22.7pp | 59.4%-5.6pp | 71.7%+12.3pp |
| Operating Margin | 35.5% | 31.8%-3.7pp | 21.1%-10.6pp | 21.5%+0.4pp | 27.1%+5.6pp |
| Net Margin | 28.8% | 25.7%-3.1pp | 17.5%-8.2pp | 17.5%-0.0pp | 22.1%+4.7pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Net insider -$25.2M over 180 days (1 open-market buys, 11 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Working the DCF backward: holding the assumptions below, this is the free-cash-flow growth today's price implies over the next 10 years. It is a read on the price's embedded expectations — not a fair-value or target price.
The price implies FCF growth above the analyst consensus of -3.5%/yr (revenue basis).
Base free cash flow $7.5B (avg FY2023–FY2025; latest year $4.4B) · equity value $102.1B · levered FCF discounted at the cost of equity. Reverse DCF is illustrative, not advice.
The QScore of 58 for PNC indicates a moderately attractive stock, driven by its strong momentum, with a 12-month return of 33.8% and a bullish 50-day versus 200-day moving average. The stock's risk profile also scores high, with a beta of 0.9 and relatively low volatility. However, its growth score is dragged down by negative revenue and free cash flow growth, while its value score is neutral, with a P/E of 14.1 and P/B of 1.6, suggesting the stock trades at a moderate premium. The short-term score is slightly higher than the long-term score, at 60 versus 55.